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Income Protection

Income Care

Have staff members who’ve been off sick for weeks and months at a time? With this group income protection insurance, they’ll have a financial cushion to fall back on if they’re too sick or disabled to work, plus individually-tailored support and guidance for stress-related conditions such as burnout syndrome.

Fulfils a real need

More and more staff members are off work on extended sick leave… and the numbers keep rising with each passing year.

A welcome top-up to modest state benefits

While the government provides its citizens with a financial safety net, state benefits are quite modest, enough to cover essential living expenses only.

A solution for stress and burnout

Individually-tailored return-to-work assistance will have your staff members fit and ready for active duty again. Available free of charge.

A clever way to sweeten your reward package

Only 18% of all employees currently have this fringe benefit included in their corporate coverage.

Unique on the market

The combination of income protection insurance plus custom-designed support and guidance for stress-related conditions is unique in Belgium.


Why is it so important to have income protection insurance?


Income Care provides your staff members with a replacement income to fall back on if ever they need to take long-term incapacity leave. And it’s far from an unnecessary indulgence, as state benefits are generally not enough to maintain their standard of living.

There are many reasons why an employee may at some point be too sick or disabled to work. An accident or critical illness, for example, but also maternity leave may have them out of commission for weeks and months at a time. In addition, research shows that one out of every four employees in Belgium has or is at risk for burnout. From this perspective, income protection insurance is fast becoming a necessity, not a luxury.

But barely one Belgian out of five has occupational incapacity insurance. All the more reason to offer a group income protection plan as a way to differentiate your company and raise your profile as a caring employer on the job market.


See also


What do staff members without income protection insurance stand to collect?

For staff members on long-term sick leave and no longer earning an income, the social security system provides a financial cushion to fall back on via the Belgian National Institute for Illness-Disability Insurance (INAMI/RIZIV). This safety net is, however, quite modest, designed to cover essential living expenses only. In the meantime, they’ll still have to keep up with their bills, such as their mortgage and car insurance payments, in spite of their lower earnings power. Not to mention all the unexpected medical expenses generally associated with an occupational accident or illness.

How much can they expect to collect, and when? 

In the first month of occupational incapacity leave, staff members will still collect 100% of their salary, payable by the employer.

Between the 2nd and the 12th month, the employer generally stops paying their staff for sick leave. Instead of a salary, they’ll have to rely on state benefits, which are just 60% of their gross salary, capped at a maximum of EUR 43,596.79 (update: 1/2018). The higher the salary, the greater the loss of income.​ Try here​ our simulation tool.

After one full year, the occupational incapacity will be reclassified as a disability. Staff members will then be entitled to an allowance according to their marital/family status:

  • if there are dependent children or relatives: 65% of the gross salary
  • if single: 55% of the gross salary
  • if married or in a registered domestic partnership: 40% of the gross salary

N.B.: In calculating the gross salary, the INAMI/RIZIV applies a maximum cap of EUR 43,596.79. In addition, state benefits are based on the monthly salary only and exclude other earnings such as year-end bonuses, performance bonuses, meal vouchers, etc.

Do you want to see by yourself what the legal intervention would be? Try out our handy simulation tool.


It’s up to you to decide what to include in your income protection plan

Tailored to the needs of your company Income Care is the ideal solution for many employees, but also for companies. With this coverage, you raise your profile as an employer that goes the extra mile for its staff. For optimal protection, you select most of the covers yourself, based on your budget and specific needs.

Select the covers to be included

    • incapacity benefit
    • waiver of premiums

Set the insured risk

    • illness
    • non-occupational accident
    • occupational accident

Select the incapacity benefit type

    • offset
    • step-rated
    • lump sum

Customise the coverage and select

    • the waiting period
    • the indexation for benefits
    • the maximum annual benefit amount

Always included: individually-tailored support and guidance for stress-related conditions (e.g. burnout syndrome)
Staff members who have been on extended sick leave for burnout syndrome need the right support and guidance to return to work safely and successfully. AG Insurance’s comprehensive and custom-designed return-to-work assistance programme will provide your staff members with the tools they need for a speedy return to good health and work. Given the importance of this kind of assistance, it’s always included as part of Income Care, our income protection insurance.

Click here to find out how return-to-work assistance can also help your company.

Want to find out more?
Send in your questions about Income Care or request a non-binding quote via the contact button.

Do you have a question?

Contact one of our sales managers